Author Topic: Overheard at Work  (Read 13252643 times)

Pooperman

  • Magnum Stache
  • ******
  • Posts: 2880
  • Age: 34
  • Location: North Carolina
Re: Overheard at Work
« Reply #5150 on: November 04, 2014, 08:43:35 AM »


Category 5 foam

dude

  • Handlebar Stache
  • *****
  • Posts: 2369
Re: Overheard at Work
« Reply #5151 on: November 04, 2014, 11:01:21 AM »
A coworker of mine near retirement was boasting that he had $300k saved in his retirement account, and mentored me that with disciplined savings for many years, I'd be able to achieve the same thing when I retired.   I didn't have the heart to tell him that I hit $300k several years ago.

In retirement training a few yeas back, a senior manager who was then 5 years from mandatory retirement confided he had around $100,000 in his TSP.  Guy was always driving a new truck, and sporting flashy suits and watches/jewelry.  Poor bastard.  I think reality set in recently because he's now driving a beater.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9918
  • Registered member
Re: Overheard at Work
« Reply #5152 on: November 04, 2014, 11:06:28 AM »
Excessive boring foam.

Indeed.

Indeed again.  Enough with the counting cards and casino nonsense.  Start a different thread for that.  Isn't this thread supposed to be for us to read, be aghast of, amused by (maybe horrified by as well) and make fun of stupid people?

Uh, ok.  Until you brought it up again, nobody had mentioned casinos for at least 100 posts.  But since we're complaining about ancient off-topic diversions, can we please start a different thread on sexism from page 2?

Anyways, roulette is the best game at the casino.  You should always bet on black orange.

larmando

  • Stubble
  • **
  • Posts: 193
  • Location: Germany
Re: Overheard at Work
« Reply #5153 on: November 04, 2014, 12:23:45 PM »
How would they have a season 2? The movie takes place at the end of season 1...

Given that the movie was horrible, just "undo" the movie, and move on!

VirginiaBob

  • Bristles
  • ***
  • Posts: 429
    • LRJ Discounters
Re: Overheard at Work
« Reply #5154 on: November 04, 2014, 12:35:11 PM »
A coworker of mine near retirement was boasting that he had $300k saved in his retirement account, and mentored me that with disciplined savings for many years, I'd be able to achieve the same thing when I retired.   I didn't have the heart to tell him that I hit $300k several years ago.

In retirement training a few yeas back, a senior manager who was then 5 years from mandatory retirement confided he had around $100,000 in his TSP.  Guy was always driving a new truck, and sporting flashy suits and watches/jewelry.  Poor bastard.  I think reality set in recently because he's now driving a beater.

What I can't understand is how anyone can pass up on matching funds - that is nuts.  Putting in 5% gets you 5% matching, which will result in 10% savings.  This should be mandatory.  Heck, just putting in the 5%, and investing in only the G fund over a 30 year career, starting 30 years ago at GS-5 and slowing gaining grades only to GS-12, would result in about $330,000.  I'm probably not realizing how much divorce raids the TSP accounts or something.
« Last Edit: November 04, 2014, 12:37:47 PM by VirginiaBob »

Timmmy

  • Bristles
  • ***
  • Posts: 439
  • Age: 40
  • Location: Madison Heights, Michigan
Re: Overheard at Work
« Reply #5155 on: November 04, 2014, 12:37:51 PM »
Excessive boring foam.

Indeed.

Indeed again.  Enough with the counting cards and casino nonsense.  Start a different thread for that.  Isn't this thread supposed to be for us to read, be aghast of, amused by (maybe horrified by as well) and make fun of stupid people?

Please stay on topic.  This is the internet and there are rules and regulations you must abide by.  Your posting this contributed nothing to the original topic and therefore is in clear violation of "The Internets Rules and Regulations Vol 2.3" page 63 paragraph 3.4.  Therefore, you lose 2 internet points. 

gimp

  • Handlebar Stache
  • *****
  • Posts: 2344
Re: Overheard at Work
« Reply #5156 on: November 04, 2014, 12:49:43 PM »
How would they have a season 2? The movie takes place at the end of season 1...

Given that the movie was horrible, just "undo" the movie, and move on!

You take that back, take it back right now.

hdatontodo

  • Bristles
  • ***
  • Posts: 391
  • Location: Balto Co, MD
Re: Overheard at Work
« Reply #5157 on: November 04, 2014, 12:50:35 PM »
Back in 1990 when I worked for a Tech Company that that the Desktop Computer contract for DOD, a salesman told me that his boss just loved it when salespeople came in talking about the new boat or house they just bought. He's said, "that's GREAT." He knew then that the person would be busting their tails to sell sell sell and he'd make HIS bonus.

horsepoor

  • Magnum Stache
  • ******
  • Posts: 3497
  • Location: At the Barn
  • That old chestnut.
Re: Overheard at Work
« Reply #5158 on: November 04, 2014, 12:54:07 PM »
Not at work, by my riding instructor and her husband are self-employed in a different field, and are perpetually broke, despite being in their 50's.  So she and I have been adding alfalfa cubes to our horses' rations, and started talking about splitting a ton, so I checked Craigslist and good quality hay is available for $180 per ton.  She said "Oh, the cubes aren't bad, only $13.xx per bag."  I pointed out that at 40# per bag, that came up to almost $680 per ton, and she had a sudden blank look on her face, then said "But the bag lasts me like a month" to which pointed out that she must be feeding just over a pound, which is not enough to have any nutritional benefit for a 1,300 pound horse, and again the blank look.  She's a great person, and seems to be really happy with life, and generally frugal, but I can definitely see that she doesn't do many calculations, and could probably be living less paycheck-to-paycheck with a little more analysis of where the money goes. 

MrsK

  • Stubble
  • **
  • Posts: 117
  • Age: 54
Re: Overheard at Work
« Reply #5159 on: November 04, 2014, 01:00:48 PM »
At a work event:

"I can't afford to start my diet until January now because I just had to pend $2000 on dialysis for my cat."

When I asked why it cost money to go on a diet, she said because she only wanted to use Medifast . . .

johnny847

  • Magnum Stache
  • ******
  • Posts: 3188
    • My Blog
Re: Overheard at Work
« Reply #5160 on: November 04, 2014, 01:04:43 PM »
Not at work, by my riding instructor and her husband are self-employed in a different field, and are perpetually broke, despite being in their 50's.  So she and I have been adding alfalfa cubes to our horses' rations, and started talking about splitting a ton, so I checked Craigslist and good quality hay is available for $180 per ton.  She said "Oh, the cubes aren't bad, only $13.xx per bag."  I pointed out that at 40# per bag, that came up to almost $680 per ton, and she had a sudden blank look on her face, then said "But the bag lasts me like a month" to which pointed out that she must be feeding just over a pound, which is not enough to have any nutritional benefit for a 1,300 pound horse, and again the blank look.  She's a great person, and seems to be really happy with life, and generally frugal, but I can definitely see that she doesn't do many calculations, and could probably be living less paycheck-to-paycheck with a little more analysis of where the money goes.

I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Beaker

  • Bristles
  • ***
  • Posts: 334
Re: Overheard at Work
« Reply #5161 on: November 04, 2014, 01:13:17 PM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

nawhite

  • Handlebar Stache
  • *****
  • Posts: 1081
  • Location: Golden, CO
    • The Reckless Choice
Re: Overheard at Work
« Reply #5162 on: November 04, 2014, 01:16:41 PM »
Not really overheard but seen on the work provided retirement calculator. I put about like 40% of my paycheck towards student loans (variable interest rates suck) but still put about 8% into the 401k. I was on the 401k website last week and saw that they have a little calculator for "will you have enough to retire?" Basically, because I'm so young, that little 8% is enough for me to retire at 60 if I just keep working and saving 8%.

While I'm thrilled that I have that backup plan, seriously how is 8% enough for your average career and so many people have trouble hitting that?

AlanStache

  • Magnum Stache
  • ******
  • Posts: 3166
  • Age: 44
  • Location: South East Virginia
Re: Overheard at Work
« Reply #5163 on: November 04, 2014, 01:40:25 PM »
"Money" magazine was out on the table at work, cover stories is "Retirement Guide 2015" coworker walking buy said the typical "we dont need that, we will never get to retire."
Me: "speak for yourself and the only guide I need is what beach to put my lawn chair on"
CW: "and that lawn chair will be all that you own"
Me: "not so much", then I give him the concession to politeness with "well I dont have kids".  He does have a kid or two but I think the larger drag on his savings is buying tons of stupid shit, would not surprise me if he had more than three good cordless drills (he is not a contractor).

johnintaiwan

  • Bristles
  • ***
  • Posts: 357
  • Location: Tainan, Taiwan
Re: Overheard at Work
« Reply #5164 on: November 04, 2014, 05:09:51 PM »
Not at work, by my riding instructor and her husband are self-employed in a different field, and are perpetually broke, despite being in their 50's.  So she and I have been adding alfalfa cubes to our horses' rations, and started talking about splitting a ton, so I checked Craigslist and good quality hay is available for $180 per ton.  She said "Oh, the cubes aren't bad, only $13.xx per bag."  I pointed out that at 40# per bag, that came up to almost $680 per ton, and she had a sudden blank look on her face, then said "But the bag lasts me like a month" to which pointed out that she must be feeding just over a pound, which is not enough to have any nutritional benefit for a 1,300 pound horse, and again the blank look.  She's a great person, and seems to be really happy with life, and generally frugal, but I can definitely see that she doesn't do many calculations, and could probably be living less paycheck-to-paycheck with a little more analysis of where the money goes.



I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

I have seen this video as well. I think they need the baby steps in there. I think that cycling is one of those hobbies where people get really excited at first and buy as much crap as they can trying to upgrade their bike.They have no idea what/why/how/if it will help them improve but carbon is better than aluminum right? In reality they need nothing more than simply riding more often. But while that is free it takes work. They would much rather slide their CC and buy something.

johnny847

  • Magnum Stache
  • ******
  • Posts: 3188
    • My Blog
Re: Overheard at Work
« Reply #5165 on: November 04, 2014, 06:41:05 PM »
Not at work, by my riding instructor and her husband are self-employed in a different field, and are perpetually broke, despite being in their 50's.  So she and I have been adding alfalfa cubes to our horses' rations, and started talking about splitting a ton, so I checked Craigslist and good quality hay is available for $180 per ton.  She said "Oh, the cubes aren't bad, only $13.xx per bag."  I pointed out that at 40# per bag, that came up to almost $680 per ton, and she had a sudden blank look on her face, then said "But the bag lasts me like a month" to which pointed out that she must be feeding just over a pound, which is not enough to have any nutritional benefit for a 1,300 pound horse, and again the blank look.  She's a great person, and seems to be really happy with life, and generally frugal, but I can definitely see that she doesn't do many calculations, and could probably be living less paycheck-to-paycheck with a little more analysis of where the money goes.



I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

I have seen this video as well. I think they need the baby steps in there. I think that cycling is one of those hobbies where people get really excited at first and buy as much crap as they can trying to upgrade their bike.They have no idea what/why/how/if it will help them improve but carbon is better than aluminum right? In reality they need nothing more than simply riding more often. But while that is free it takes work. They would much rather slide their CC and buy something.

Haha true. Many people would rather throw money at an issue.

RetiredAt63

  • CMTO 2023 Attendees
  • Senior Mustachian
  • *
  • Posts: 20709
  • Location: Eastern Ontario, Canada
Re: Overheard at Work
« Reply #5166 on: November 05, 2014, 07:29:27 AM »
Bob Newhart set the precedent  ;-)

Given that the movie was horrible, just "undo" the movie, and move on!

eyePod

  • Pencil Stache
  • ****
  • Posts: 963
    • Flipping A Dollar
Re: Overheard at Work
« Reply #5167 on: November 05, 2014, 09:17:37 AM »
That's only counting if you can earn at the rate that your mortgage is.  If you earn higher, naturally you'll end up with even more.

But even if you can't, you may still be better paying the dollar in interest to get the 33 cents back, simply because of the opportunity cost of the money you'd use to pay off the mortgage.

I understand the 'invest money at a higher rate of return than your mortgage', but can you explain that last part of still being worth it even if you can't earn a higher or equal rate of return?

$1 is worth $1, until you use it for something. If you use it to pay off the mortgage, it completely loses it's utility since it's now gone. By electing to pay interest of 4% you are paying 4 cents to use someone else's $1. Now you can do whatever you want with that $1, including just holding it in an emergency fund, investing it, buying something, rolling a joint, etc. But you can only do one thing with it, after that it's gone.

http://en.wikipedia.org/wiki/Opportunity_cost

Not true at all. It's just converted into a less liquid dollar (equity) that also fluctuates in value (home price) and has a fee to get it back (costs associated with selling the house). I don't get why people saying that you're spending money on principal. You're converting it into a super non-liquid investment.  If I were buying lattes, that'd be a different story.
« Last Edit: November 05, 2014, 10:55:18 AM by eyePod »

eyePod

  • Pencil Stache
  • ****
  • Posts: 963
    • Flipping A Dollar
Re: Overheard at Work
« Reply #5168 on: November 05, 2014, 09:47:44 AM »
Now back to the first guy...Yesterday somebody asked him about his sunglasses and he kept going off how they were $400 and all of his sunglasses cost more than $350 and that he won't buy cheap sunglasses ever. Then he started to list off all of the other things that he pays more for and how much he pays because he prefers nicer things.

I wear Oakleys in the summer playing volleyball because they are designed to protect your eyes. They have a cool website looking at people who got into accidents where their faces were all beat up but didn't lose their eyes. Very nice. If you've ever been smashed in the face playing volleyball, you'd understand that cheapo sunglasses (that shatter) can do a ton of damage! I also save up for them and then buy them from the vault, so much cheaper than buying them new at $300+

VirginiaBob

  • Bristles
  • ***
  • Posts: 429
    • LRJ Discounters
Re: Overheard at Work
« Reply #5169 on: November 05, 2014, 10:08:03 AM »
Now back to the first guy...Yesterday somebody asked him about his sunglasses and he kept going off how they were $400 and all of his sunglasses cost more than $350 and that he won't buy cheap sunglasses ever. Then he started to list off all of the other things that he pays more for and how much he pays because he prefers nicer things.

I wear Oakleys in the summer playing volleyball because they are designed to protect your eyes. They have a cool website looking at people who got into accidents where their faces were all beat up but didn't lose their eyes. Very nice. If you've ever been smashed in the face playing volleyball, you'd understand that cheapo sunglasses (that shatter) can do a ton of damage! I also save up for them and then buy them from the vault, so much cheaper than buying them new at $300+

I bought some tinted polarized uv protection safety glasses (that suprisingly were quite stylish) on ebay for $1.69 that I use for volleyball.

eyePod

  • Pencil Stache
  • ****
  • Posts: 963
    • Flipping A Dollar
Re: Overheard at Work
« Reply #5170 on: November 05, 2014, 10:41:46 AM »

It's the best TV show ever made, cancelled after one season. If you have Netflix, watching it is now your number one priority.

Yes. A thousand times yes. Also, if they can get a kickstarter going for salad dressing or whatever, surely they can get one for firefly season 2? Right?

How would they have a season 2? The movie takes place at the end of season 1 and [spoiler alert] they kill multiple major characters in the movie. Any season 2 just wouldn't be the same.

Joss Whedon, the creator, has already said the movie Serenity wouldn't be canon if they restarted Firefly (it'd be like it never happened).

They won't restart it. It's not a money thing at this point - it's been over a decade.

There would be no way to recapture the magic, it'd ruin it.  I wish there was more made at the time, but I don't want more made now.

Those of you who haven't seen it - notice how many people are saying it's the best ever. Not just good, but literally best ever. Watch it!  :)

I feel the same way about Freaks and Geeks (although I didn't watch it when it came out). Ended with a "we're off to a new season" episode but then they got cancelled. I was OK about this since it was still a great TV show that reminded me of high school, and even though it finished kind of open ended, it was better than Pushing Daisies rushed ending.

FunkyStickman

  • Pencil Stache
  • ****
  • Posts: 525
  • Age: 49
  • Location: Louisiana
    • Living Outside the Box
Re: Overheard at Work
« Reply #5171 on: November 05, 2014, 11:28:33 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

johnintaiwan

  • Bristles
  • ***
  • Posts: 357
  • Location: Tainan, Taiwan
Re: Overheard at Work
« Reply #5172 on: November 05, 2014, 07:09:02 PM »

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I was on a ride a while back and got passed by a group of about 8. In the mix i noticed a really nice bike complete with all the bells and whistles. Brand new gear and everything. it looked really impressive. He must have had at least 5K in the bike alone plus another thousand or so in gear. The rest of the pack had nice professional bikes (which are pretty cheap since they are made here).

About an hour later I came across the guy on the fancy bike. He was walking along the road, he told me he couldnt keep pace with the others and was waiting to get picked up.

HairyUpperLip

  • Pencil Stache
  • ****
  • Posts: 893
Re: Overheard at Work
« Reply #5173 on: November 06, 2014, 08:33:29 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

Timmmy

  • Bristles
  • ***
  • Posts: 439
  • Age: 40
  • Location: Madison Heights, Michigan
Re: Overheard at Work
« Reply #5174 on: November 06, 2014, 09:32:12 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I've enjoyed it every time I get a chance to do this with my dirt bike.  My bike is 15 years old, air cooled, has crappier suspension and weighs a lot more than any of those fancy bikes I ride with but I still ride faster than most of them.  I also don't wear the fancy coordinated riding gear, I just wear some crummy old pants and a t-shirt.  The looks they give me before we start riding and after we get done are drastically different. 

solon

  • Handlebar Stache
  • *****
  • Posts: 2359
  • Age: 1823
  • Location: OH
Re: Overheard at Work
« Reply #5175 on: November 06, 2014, 10:00:35 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I've enjoyed it every time I get a chance to do this with my dirt bike.  My bike is 15 years old, air cooled, has crappier suspension and weighs a lot more than any of those fancy bikes I ride with but I still ride faster than most of them.  I also don't wear the fancy coordinated riding gear, I just wear some crummy old pants and a t-shirt.  The looks they give me before we start riding and after we get done are drastically different.

Air cooled? Are we still talking about bicycles?

HairyUpperLip

  • Pencil Stache
  • ****
  • Posts: 893
Re: Overheard at Work
« Reply #5176 on: November 06, 2014, 10:14:27 AM »
Air cooled? Are we still talking about bicycles?

lol - I thought the same thing...


FunkyStickman

  • Pencil Stache
  • ****
  • Posts: 525
  • Age: 49
  • Location: Louisiana
    • Living Outside the Box
Re: Overheard at Work
« Reply #5177 on: November 06, 2014, 10:20:35 AM »
I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I did this for a while, actually. I could keep up with everyone except the hardcore racer-wannabes. After a while, I just got tired of it. If they invited me to a ride again, I'd probably do it, but more often than not, I'd ride to the start point by myself (6 miles) then do 35-ish miles with them, then ride another 6 home. It started eating into my free time on Saturdays, since I was already getting ride time during the week to/from work.

I still chat with some of those folks, but when they start spewing over some new carbon thing, I just roll my eyes and sigh.

(EDIT) A lot of it had to do with them talking about nothing except expensive toys... I guess you could say my lifestyle wasn't compatible with theirs. Either they'd ride too fast to talk, or they'd talk about stuff I didn't care about.
« Last Edit: November 06, 2014, 10:24:32 AM by FunkyStickman »

Timmmy

  • Bristles
  • ***
  • Posts: 439
  • Age: 40
  • Location: Madison Heights, Michigan
Re: Overheard at Work
« Reply #5178 on: November 06, 2014, 10:48:23 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I've enjoyed it every time I get a chance to do this with my dirt bike.  My bike is 15 years old, air cooled, has crappier suspension and weighs a lot more than any of those fancy bikes I ride with but I still ride faster than most of them.  I also don't wear the fancy coordinated riding gear, I just wear some crummy old pants and a t-shirt.  The looks they give me before we start riding and after we get done are drastically different.

Air cooled? Are we still talking about bicycles?

No, but I suppose pretty much all bicycles are in fact air cooled. 

I did say dirt bike but maybe I should clarify.  Off road motorcycle. 

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9918
  • Registered member
Re: Overheard at Work
« Reply #5179 on: November 06, 2014, 11:37:15 AM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I've enjoyed it every time I get a chance to do this with my dirt bike.  My bike is 15 years old, air cooled, has crappier suspension and weighs a lot more than any of those fancy bikes I ride with but I still ride faster than most of them.  I also don't wear the fancy coordinated riding gear, I just wear some crummy old pants and a t-shirt.  The looks they give me before we start riding and after we get done are drastically different.

Air cooled? Are we still talking about bicycles?

No, but I suppose pretty much all bicycles are in fact air cooled. 

I did say dirt bike but maybe I should clarify.  Off road motorcycle.

Well of course your dirt bike is going to smoke those cyclists with carbon fiber frames

Timmmy

  • Bristles
  • ***
  • Posts: 439
  • Age: 40
  • Location: Madison Heights, Michigan
Re: Overheard at Work
« Reply #5180 on: November 06, 2014, 12:25:37 PM »
I was absolutely dumbfounded when this one Youtube video I was watching on top 10 upgrades for your bike (geared towards cyclists who race) said you should take the weight savings of your upgrade, and divide it by the cost of your upgrade when comparing two upgrade options. It then went on to give an example of aluminum -> carbon fiber handlebars vs butyl -> latex tubes.

Isn't this just common sense?? This struck me as incredibly obvious and yet this video was stepping through it like it was a big deal or something.

Years ago I read an article with a similar topic. But after calculating grams/dollar for the carbon-fiber brake handles and unobtanium-laced brake pads, they also calculated taking some Ex-Lax the day before a race, and just losing a pound of fat. Unsurprisingly, the latter two were quite a bit more cost efficient.

I just stopped bringing it up. The people who buy that stuff aren't interested in saving money. I used to do group rides with guys on $5000 Cervelos and whatnot, carbon aero tubular wheels, the whole 9 yards.

I just got sick of them going on and on about it, and poking fun at my mustachian steel touring bike. I ride either by myself, or with my buds on old beater mountain bikes.

I don't know anything but riding in groups (besides as a kid)... but wouldn't you rather ride with those nicer bikes and remind them how your cheap bike can hang just as good? :)

I've enjoyed it every time I get a chance to do this with my dirt bike.  My bike is 15 years old, air cooled, has crappier suspension and weighs a lot more than any of those fancy bikes I ride with but I still ride faster than most of them.  I also don't wear the fancy coordinated riding gear, I just wear some crummy old pants and a t-shirt.  The looks they give me before we start riding and after we get done are drastically different.

Air cooled? Are we still talking about bicycles?

No, but I suppose pretty much all bicycles are in fact air cooled. 

I did say dirt bike but maybe I should clarify.  Off road motorcycle.

Well of course your dirt bike is going to smoke those cyclists with carbon fiber frames

Those things are soooooo slow.  And they cost 2-3x as much as mine does. 

auntie_betty

  • Bristles
  • ***
  • Posts: 385
Re: Overheard at Work
« Reply #5181 on: November 06, 2014, 03:41:06 PM »
Co-worker 1 - well maybe our syndicate will win £1,000,000 on the lottery
Co-worker 2 - that's no good that's only 200k each.
Me - you could retire on that (he's in his mid-late 40's)
Co-worker 2 - you're kidding. By the time I'd put some away for a holiday every year and done up the house it would all be gone.
Me - oh. Better get back to work then.

ncornilsen

  • Handlebar Stache
  • *****
  • Posts: 1047
Re: Overheard at Work
« Reply #5182 on: November 06, 2014, 05:18:28 PM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.

austin

  • Stubble
  • **
  • Posts: 147
Re: Overheard at Work
« Reply #5183 on: November 06, 2014, 05:55:57 PM »
This is why the U.S. has social security. There is no chance that most of the subjects in this thread would ever have the ability or will to provide for themselves in their old age. It just blows my mind the way some people's heads work.

otherbarry

  • 5 O'Clock Shadow
  • *
  • Posts: 53
  • Location: USA
Re: Overheard at Work
« Reply #5184 on: November 07, 2014, 07:24:09 AM »
CW1: Hey you see the 401k limits went up?
CW2: Nah, I don't really mess with that stuff, I heard the fees eat up any returns.
CW1: You at least get the employer match right?
CW2: I just don't think it's worth it...


Rosewhipped

  • 5 O'Clock Shadow
  • *
  • Posts: 19
Re: Overheard at Work
« Reply #5185 on: November 07, 2014, 07:25:59 AM »
1st time poster.  I feel somewhat bad about sharing, but my work really does have a lot of gems.

Just this morning:

CW's 15 year old daughter has at least 35 pairs of SNEAKERS including 23 pairs of converse. 

This woman also makes her 2 dogs 3 hot meals a day.

larmando

  • Stubble
  • **
  • Posts: 193
  • Location: Germany
Re: Overheard at Work
« Reply #5186 on: November 07, 2014, 07:43:08 AM »
How would they have a season 2? The movie takes place at the end of season 1...

Given that the movie was horrible, just "undo" the movie, and move on!

You take that back, take it back right now.

Nope. But good try!

Proud Foot

  • Handlebar Stache
  • *****
  • Posts: 1160
Re: Overheard at Work
« Reply #5187 on: November 07, 2014, 10:06:45 AM »
Posting this here, sorry if it has already been posted but I don't have time to go through the whole thread.

I listen to music on spotify while at work and keep hearing the Mobil1 ad where the guy claims to commute from Schenectady to Manhattan for work. I looked it up and according to Google it is a 2:30 commute one way!! I HOPE that no one would actually do this. That doesn't leave any time for anything else! That's 14 hours right there if working 8-5. Also to consider the gas. I would have to fill up every day in my car.

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4928
Re: Overheard at Work
« Reply #5188 on: November 07, 2014, 10:17:26 AM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.
Wait....WHAT???  How does that even follow a logic train?

zinnie

  • Pencil Stache
  • ****
  • Posts: 710
  • Location: Boston
Re: Overheard at Work
« Reply #5189 on: November 07, 2014, 10:21:37 AM »
This is why the U.S. has social security. There is no chance that most of the subjects in this thread would ever have the ability or will to provide for themselves in their old age. It just blows my mind the way some people's heads work.

Agreed. The last time I went to the 401k meeting at my company the poor rep was trying to convince everyone that if they just save $20 a paycheck, they will have $200,000 (!!!) by the time they are ready for retirement. I am just shocked at how low they are stooping--it's like any more than extremely small amounts taken out of their paychecks would turn people off. And since when is $200,000 enough for retirement? The way he said it was like 200k was some huge amount of money that would be impossible to attain without 30 years of compound interest.

I work at a company that pays very well. There is just no excuse for standards this low!

MgoSam

  • Magnum Stache
  • ******
  • Posts: 3684
  • Location: Minnesota
Re: Overheard at Work
« Reply #5190 on: November 07, 2014, 10:28:36 AM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.
Wait....WHAT???  How does that even follow a logic train?

And then when they do, they will blame the gubermint.

Albert

  • Handlebar Stache
  • *****
  • Posts: 1244
  • Location: Switzerland
Re: Overheard at Work
« Reply #5191 on: November 07, 2014, 10:42:34 AM »
Any sensible country MUST have a mandatory retirement contributions (like Social security in US) which must be sufficient to cover the basics. Why, you might ask? Because of huge amount of people who'll never save unless forced to and will have to be supported in old age anyway  for humanitarian and safety reasons. Fully voluntary retirement saving might work with most of us on this board, but can never be a general strategy.

frugalnacho

  • Walrus Stache
  • *******
  • Posts: 5055
  • Age: 41
  • Location: Metro Detroit
Re: Overheard at Work
« Reply #5192 on: November 07, 2014, 10:44:15 AM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.
Wait....WHAT???  How does that even follow a logic train?

What are you, some kind of bank fag?

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9918
  • Registered member
Re: Overheard at Work
« Reply #5193 on: November 07, 2014, 11:14:17 AM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.
Wait....WHAT???  How does that even follow a logic train?

What are you, some kind of bank fag?

LOL, classic bank fag

MandalayVA

  • Handlebar Stache
  • *****
  • Posts: 1569
  • Location: Orlando FL
Re: Overheard at Work
« Reply #5194 on: November 07, 2014, 11:32:17 AM »
Today we just got an announcement that our company will finally be offering an HSA/HDHP... and will be contributing $500 into individuals accounts, or $1000 into a families account! 

The HR lady was explaining the HSA. I heard comments from people such as the following:

CW1: "I'd rather they just give me the $500. I never go to the doctor and will just loose it and the end of the year anyway
Me: No, an HSA lets you keep it year after year. you're thinking of an FSA.
CW1: "you have a lot to learn about how finances work.

Hr lady: "And we'll allow you to invest your HSA money into any of a variety of mutual funds..."
CW2: (mutters to his coworker) "I ain't letting no bank fag take my healthcare money!" (this is a quote... I work in a steel foundry. I swear the cast of idiocracy works here.)
CW3: "I'm going to use my $500 to buy a boat"


I'm betting that these idiots will waste their money, incur penalties, and eventually get the HSA program canned due to their ignorant outcry about getting screwed.

I posted upthread about how my company's HSA funds come on MasterCards and how many people got pissed off when they were told the cards couldn't be used like regular MasterCards. 

I'm surprised Bank Fag Guy didn't bust out an Idiocracy quote--"you talk like a fag, and your shit's all retarded."

MrBuckBeard

  • 5 O'Clock Shadow
  • *
  • Posts: 60
Re: Overheard at Work
« Reply #5195 on: November 07, 2014, 11:52:49 AM »
I'm going to out myself by saying, I have no idea what an HSA or an FSA are, either one.  But if I were told my company was going to put $500 of money into EITHER one, I would certainly find out before I went about slamming them for it.

mak1277

  • Pencil Stache
  • ****
  • Posts: 792
Re: Overheard at Work
« Reply #5196 on: November 07, 2014, 11:57:49 AM »
I saw a large Jeep Wrangler with huge jacked up tires in the parking garage at work today.

License Plate: MPG SUKZ

Bumper Sticker:
"Cool Prius!"
          - Nobody


Pooperman

  • Magnum Stache
  • ******
  • Posts: 2880
  • Age: 34
  • Location: North Carolina
Re: Overheard at Work
« Reply #5197 on: November 07, 2014, 12:02:49 PM »
I'm going to out myself by saying, I have no idea what an HSA or an FSA are, either one.  But if I were told my company was going to put $500 of money into EITHER one, I would certainly find out before I went about slamming them for it.

HSA - Health Savings Account. Carries over year-to-year and can be invested. Only allowed if you take a HDHP (High Deductible Health Plan). Only can be used for health spending until age 65 when it becomes another IRA. Can be added to even if you don't have a job, but has a limit.

FSA - Flexible Spending Account. Doesn't carry over year to year. Can be used for a variety of expenses (healthcare, child care, transportation). Can be used by anyone with a job.

Might have missed something, but that should pretty much cover it. Google is your friend though.

Elderwood17

  • Pencil Stache
  • ****
  • Posts: 523
  • Location: Western North Carolina
Re: Overheard at Work
« Reply #5198 on: November 07, 2014, 12:09:42 PM »
Posting this here, sorry if it has already been posted but I don't have time to go through the whole thread.

I listen to music on spotify while at work and keep hearing the Mobil1 ad where the guy claims to commute from Schenectady to Manhattan for work. I looked it up and according to Google it is a 2:30 commute one way!! I HOPE that no one would actually do this. That doesn't leave any time for anything else! That's 14 hours right there if working 8-5. Also to consider the gas. I would have to fill up every day in my car.
I hear that ad all the time and hope it is just advertising fiction!

MrBuckBeard

  • 5 O'Clock Shadow
  • *
  • Posts: 60
Re: Overheard at Work
« Reply #5199 on: November 07, 2014, 12:15:02 PM »
FSA - Flexible Spending Account. Doesn't carry over year to year. Can be used for a variety of expenses (healthcare, child care, transportation). Can be used by anyone with a job.

Might have missed something, but that should pretty much cover it. Google is your friend though.

Google is my friend.  I wasn't so much as asking, as just saying these aren't common things everyone knows, but bashing them before you understand them is asinine. 

Also, it turns out I do have an FSA, although I've never heard it called that.  My company pays for public transit on my behalf.  That goes into an account which then pays the transit authority.  The more you know!

 

Wow, a phone plan for fifteen bucks!